Pocahontas County, WV Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 341 mortgage applications in Pocahontas County, WV totaling $44.3 million, up 25% from 2019. The average application was for $129,000, and applicants reported an average income of $109,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was First Ciitizens Bank and Trust, with 42 applications, followed by Pendleton Community Bank and Vanderbilt Mortgage and Finance, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 341 |
| Total Mortgage Loan Application Amount | $44,275,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $1,023,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 39,787,666,000 | 42 | $ 3,220,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 442,153,000 | 34 | $ 2,730,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 32 | $ 2,890,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,956,190,000 | 28 | $ 2,110,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 14 | $ 1,760,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 11 | $ 1,485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 9 | $ 1,685,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,025,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 7 | $ 555,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 1,430,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 905,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 5 | $ 675,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 5 | $ 565,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,401,941,000 | 5 | $ 665,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 475,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 4 | $ 360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 670,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 4 | $ 790,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 3 | $ 525,000 |
| Clear Mountain Bank 160 MORGANTOWN STREET PO BOX 205 BRUCETON MILLS, WV 26525 |
* | $ 648,623,000 | 3 | $ 375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 445,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 355,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 998,211,000 | 2 | $ 180,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 2 | $ 220,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 1,221,060,000 | 2 | $ 1,250,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 510,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 150,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 370,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 620,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 260,357,000 | 2 | $ 210,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 330,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 11,947,775,000 | 2 | $ 680,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 340,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 590,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 1 | $ 285,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 155,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 155,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 135,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 304,797,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 215,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 335,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 225,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 155,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,796,982,000 | 1 | $ 155,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 1 | $ 425,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 15,674,361,000 | 1 | $ 265,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 30,597,146,000 | 1 | $ 75,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 45,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 195,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 435,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 1 | $ 345,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 1 | $ 335,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 115,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 135,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 377,146,000 | 1 | $ 225,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 94,197,000 | 1 | $ 25,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 5,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 9,043,235,000 | 1 | $ 195,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 19,644,548,000 | 1 | $ 45,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 205,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 125,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 205,000 |
| First National Bank P. O. BOX 29, 622 BROAD STREET ALTAVISTA, VA 24517 |
* | $ 499,389,000 | 1 | $ 75,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 275,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 75,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 25,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 8,288,367,000 | 1 | $ 405,000 |
| Palmetto State Bank 145 LADY'S ISLAND DR BEAUFORT, SC 29907 |
* | $ 547,122,000 | 1 | $ 495,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 1 | $ 115,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ -1,000 | 1 | $ 335,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 3,815,483,000 | 1 | $ 285,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 435,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2020 mortgage applications in Pocahontas County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pocahontas County, WV in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 186 | $23,980,000 | $128,000 | $1,165,000 | $99,000 | $632,000 |
| Refinancing | 84 | $12,590,000 | $149,000 | $525,000 | $142,000 | $1,023,000 |
| Other Purpose | 32 | $3,100,000 | $96,000 | $515,000 | $112,000 | $1,006,000 |
| Cash-out Refinancing | 21 | $3,965,000 | $188,000 | $495,000 | $110,000 | $563,000 |
| Home Improvement | 17 | $485,000 | $28,000 | $95,000 | $48,000 | $128,000 |
| Not Applicable | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 277 | $33,675,000 | $121,000 | $495,000 | $107,000 | $1,023,000 |
| Not Provided | 40 | $6,070,000 | $151,000 | $515,000 | $123,000 | $908,000 |
| Not applicable | 13 | $3,525,000 | $271,000 | $1,165,000 | $0 | $0 |
| Asian | 4 | $240,000 | $60,000 | $75,000 | $161,000 | $370,000 |
| Hispanic | 4 | $530,000 | $132,000 | $155,000 | $70,000 | $146,000 |
| Black or African American | 2 | $110,000 | $55,000 | $85,000 | $52,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 285 | $35,935,000 | $126,000 | $1,165,000 | $116,000 | $1,023,000 |
| VA-guaranteed (Veterans Administration) | 35 | $5,975,000 | $170,000 | $335,000 | $71,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,130,000 | $118,000 | $285,000 | $61,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $235,000 | $78,000 | $105,000 | $38,000 | $38,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 178 | $24,990,000 | $140,000 | $1,165,000 | $112,000 | $1,023,000 |
| Application Denied By Financial Institution | 78 | $7,850,000 | $100,000 | $515,000 | $68,000 | $510,000 |
| Application Withdrawn By Applicant | 46 | $7,020,000 | $152,000 | $475,000 | $169,000 | $1,006,000 |
| File Closed For Incompleteness | 22 | $2,340,000 | $106,000 | $225,000 | $88,000 | $313,000 |
| Application Approved But Not Accepted | 10 | $850,000 | $85,000 | $185,000 | $103,000 | $175,000 |
| Loan Purchased By The Institution | 7 | $1,225,000 | $175,000 | $425,000 | $248,000 | $416,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 257 | $34,365,000 | $133,000 | $525,000 | $119,000 | $1,023,000 |
| Debt-To-Income Ratio | 27 | $4,475,000 | $165,000 | $1,165,000 | $71,000 | $563,000 |
| Credit History | 25 | $1,815,000 | $72,000 | $285,000 | $53,000 | $212,000 |
| Collateral | 13 | $1,355,000 | $104,000 | $295,000 | $114,000 | $510,000 |
| Unverifiable Information | 6 | $430,000 | $71,000 | $145,000 | $62,000 | $102,000 |
| Credit Application Incomplete | 5 | $965,000 | $193,000 | $255,000 | $104,000 | $155,000 |
| Other | 4 | $490,000 | $122,000 | $265,000 | $168,000 | $307,000 |
| Employment History | 2 | $190,000 | $95,000 | $105,000 | $55,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $125,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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